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Updated October 27, 2026
It reimburses vet bills for new accidents and illnesses after the waiting periods. Cost and exclusions depend on choices you make at signup.
AAHA figures cited by Embrace, read Oct 2, 2026. See source
| If you are asking | Start with | Link |
|---|---|---|
| Young, healthy pet? | Enroll now, before anything is on the record | Pre-existing rules |
| Pet already has a condition? | Some curable ones can qualify later at Embrace | Compare terms |
| Want checkups covered? | That is a routine care add-on | Routine care |
| Need it to cover a hip or knee? | Check the orthopedic waiting period | Waiting periods |
Accident and illness plans reimburse eligible vet bills after you pay a deductible, at a reimbursement level you choose, up to an annual limit. Pets Best and Embrace both let you set the deductible and reimbursement options34, and Embrace advertises reimbursement of up to 90% of vet bills2.
Cost. Embrace cites the American Animal Hospital Association's figures of $62.44 a month for dogs and $32.21 for cats on average in 2025, and says its own 2026 averages ran $20 to $70 for dogs and $10 to $30 for cats. A higher annual limit or lower deductible raises the premium1.
Pre-existing conditions. Anything noted before the waiting period ends counts as pre-existing, even without a vet visit, in Embrace's definition; Embrace says some curable conditions can become eligible after a period free of symptoms and treatment2. Pets Best likewise excludes conditions that existed before the policy started or developed during a waiting period4. Enrolling a young, healthy pet keeps the list short.
Routine care is separate. Wellness or routine care cover pays for expected visits; Pets Best sells it as an add-on for an extra premium at enrollment, within 30 days of enrolling or at renewal5.
| Term | Embrace | Pets Best |
|---|---|---|
| Plan type4 | Accident and illness | Accident and illness; accident only |
| Pre-existing conditions2 | Excluded; some curable conditions reconsidered after a symptom-free period | Excluded, including conditions during waiting periods |
| Waiting periods6 | Orthopedic waiting period varies by state | Vary by state and coverage type; waivable with a vet exam form |
| Underwriter8 | American Modern Insurance Group companies | Listed on its underwriters and licensing page |
| Source | Embrace pagesRead Oct 2, 2026 | Pets Best pagesRead Oct 2, 2026 |
Your state's policy and declarations page are the final word.
Good for choosing between accident-only and accident and illness
Also on Pets Best's site
Good for accident and illness cover with a path back for curable conditions
Also on Embrace Pet Insurance's site
Not on its own. Routine care is a separate add-on at Pets Best, for an extra premium5.
Usually not: it is pre-existing. Embrace says some curable conditions can become eligible after a period free of symptoms and treatment2.
CoverPlainly is also not an insurance agent, does not sell insurance or collect your details, and does not cover Medicare. Nothing here is insurance advice.
Prices, coverage and terms belong to each company and can change. The company's own page and your policy are the final word; the insurer decides every application.
